What a free insurance CRM should include
Members, policies, and coverage on one parent record — not a flat contact list.
Carrier, plan, effective date, and renewal reminders that actually fire.
Every conversation on the client timeline, not scattered across apps.
Track expected vs received by carrier and state as you grow.
Why insurance agents need more than a contact list
Insurance is bought by households, not contacts. A dependent, a policy, a carrier, a renewal date, and a commission all belong to the same family file. A free CRM that only stores names forces agents back into spreadsheets.
What free plans usually leave out
Most free CRMs cap communications, exclude fax and call recording, offer no insurance-specific fields, and have no commission tracking. Know what requires a paid plan before you commit your book.
Free plans compared
| CRM | Often used for | Household records | Policy & renewal tracking |
|---|---|---|---|
| ChronosCodex Free | Insurance agents & agencies | Yes — household is the parent record | Yes, with reminders |
| HubSpot Free | Inbound marketing | Contact/company | Custom fields; no behavior |
| Zoho Free | Customizable CRM | Requires configuration | Custom modules to build |
Competitor plans and pricing change; verify with each provider.
What good looks like
Frequently asked questions
Is there a truly free insurance CRM?
Yes — ChronosCodex has a Free plan with no credit card required, and a public no-login demo so you can evaluate it first.
What should a free insurance CRM include for ACA agents?
Household records, DMI follow-up, effectuation, income and dependent changes, consent forms, and renewal reminders.
What should it include for Medicare agents?
Turning-65 tracking, AEP/OEP workflow, call records and transcripts, documents, and renewals.
Can I test it before signing up?
Yes — the live demo at chronospreview.com is public and no-login, with sample data.